Burned capital one but have Discover

AwwwYeee · ‎06-10-2026

I burned Capital one a few years ago, where anytime I do their pre approval instant denial. Should I be worried about my discover credit card transferring to Capital one?

crystal626 · ‎06-10-2026

If it's your only card then maybe but otherwise, no sense in stressing. They'll either move it over or cancel it and there's nothing you can do about it.

9/10/2026

EX8 777
EQ8 793
TU8 789

20 cards TCL $268,250 ACL $13,412

zerofire · ‎06-10-2026

Technically with your Discover card you are already a Capital One customer. The real question is if Capital One knows about it or not yet. I still do not understand what the status of the merger is and I have an account with each. Having to manage two accounts on two separate apps with no consolidation by a lender is messing up what my idea of a merger is.

TU:816 12/19/24 Bank of America--EX: 809 01/03/25 Experian--EQ:836 01/06/25 myFICO--Gardening since N/A

Active:
Bank of America (Customized Cash Rewards VSC, Unlimited Cash Rewards WMC{PT}), Capital One (Discover It DC, Savor WEMC), Chase (Amazon Prime VSC, Freedom Flex WEMC [x2]), Citi (Custom Cash WEMC, Dividend MC), Citizens GreenSense WMC, Curve WEMC{S}, FNBO Ducks Unlimited VSC, GBank VSC, Imprint Rakuten AC, PenFed Pathfinder Rewards VSC, Santander Ultimate Cash Back WMC, Synchrony (OnePay Walmart CashRewards MC, PayPal Cashback WMC), UMB Simply Rewards VSC[Milford Federal], US Bank (Cash+ VSC [x2], Kroger Rewards WEMC, Pick n Save/Metro Market Rewards WEMC, Shield VC)
Wishlist: AAA Daily Advantage, AOD Signature, Aven, Bellco Colorado Rewards, Nusenda Platinum Cash Rewards, PCMCU Platinum Rewards, Redstone FCU Signature

DeeBee78 · ‎06-11-2026

I really wouldn't worry about it too much because Captial One is super forgiving. They're like an ex that takes you back no matter how much of a POS you were to them.

I burned them in 2019 and I have three (soon to be two) cards with them. I didn't pay anything back to them.

I also burned Chase, and will be applying for the Apple card tomorrow. I *did* pay Chase back, knowing they have a really long internal memory.